Enter Your ZIP Code

Ways to pull down modified car insurance premiums


Modified cars are very popular, especially to car enthusiasts and celebrities.  This is because of their uniqueness compared to standard manufactured cars in the market.  To most of them, it can give a sense of individuality and high status, because modified cars are one of a kind, customized to meet the car owner’s taste. There have been several television shows and contests about modified cars and they seem to be on the rise. With the specialization modified vehicles need, and the costs to make one, modified car insurance is expensive.  So, if one wants to modify their car to get the same feel but do not want to pay a high premium, here are just some ways on how one can reduce their modified car insurance premium. 

Minimize Alterations 

One can change anything on their vehicles. They can get bigger bumpers, larger headlights, thinner wheels and stainless rims, or even a theater system inside the car, but one thing is for sure, this will affect the amount of their modified car insurance premiums. If there is too much change on the vehicle that results in an increase of its value and be more prone to theft, then it will increase one’s car insurance premium dramatically.  So, if one wants to alter his or her car’s style to be trendier, one can have minimal changes.  One should not overdo it if they are not ready for a higher car insurance premium. 

Be on the safe side 

A modified car is rarely viewed as a safe car. Look at the ones featured in the television, car shows, and car races. These are modified cars and they do not seem to be very safe. Stylish ones are too focused on the design of the car to make it look luxurious and fashionable that it lacks the basic safety devices such as seatbelts and airbags. Race cars on the other hand have enhanced engines that make the vehicle run faster. Even though it is equipped with the basic safety devices and has a customized safety driving pit, it is still prone to accidents. The lack of safety devices on the vehicles can increase one’s car insurance premium so it is better keep safety in their vehicles intact and enhanced. 

Look for discounts 

There are several discounts out one can take advantage of, such as discounts in having a good driving record, having passed a driving course, and just by getting anti theft devices. There are a lot our there that one can get, they just have to find what is applicable and available to them.